Consumer Behavior
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February 4, 2026
Cryptocurrency payments are quickly moving in to the mainstream of U.S. commerce with nearly four out of 10 (39%) accepting cryptocurrency at checkout.
More than four in five retailers (84%) believe crypto payments will become common within the next five years.
Those are findings from a survey from PayPal and the National Cryptocurrency Association, a non-profit organization.
Customer interest is a driver behind merchant adoption with nearly nine in 10 merchants (88%) report receiving customer inquiries about paying with crypto, and more than two-thirds (69%) say customers want to use crypto at least once a month.
Four in five merchants (79%) believe accepting crypto could help them attract new customers.
“What we’re seeing both in this data and in conversations with our customers is that crypto payments are moving beyond experimentation and into everyday commerce,” May Zabaneh, vice president and general manager of crypto at PayPal, said in the release. “Adoption is being driven by customer demand for faster, more flexible ways to pay — and once businesses start accepting crypto, they see real value. When crypto payments are offered in ways that feel as familiar as cards or online payments, they become a powerful growth tool, helping businesses reach new customers and access funds more quickly.”
